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All Journal Signifikan : Jurnal Ilmu Ekonomi Jurnal Penelitian dan Evaluasi Pendidikan Jurnal Psikologi Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Journal of Educational, Health and Community Psychology Equilibrium: Jurnal Pendidikan Jurnal Pengukuran Psikologi dan Pendidikan Indonesia (JP3I) QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama REiD (Research and Evaluation in Education) BAREKENG: Jurnal Ilmu Matematika dan Terapan Jurnal Sains Sosio Humaniora Islamic Guidance and Counseling Journal JUPE : Jurnal Pendidikan Mandala Al-Bayan: Jurnal Ilmu al-Qur'an dan Hadist SECONDARY : Jurnal Inovasi Pendidikan Menengah (JIPM) Munaddhomah: Jurnal Manajemen Pendidikan Islam Abrahamic Religions: Jurnal Studi Agama-Agama Action Research Literate (ARL) Measurement In Educational Research DINAMIKA ILMU: Jurnal Pendidikan Jurnal Sistem Informasi Mahakarya (JSIM) Realita: Jurnal Penelitian dan Kebudayaan Islam
Sumin, Sumin
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Religion Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Physics Public Health Social Sciences Transportation Other

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Empowering Loan Awareness: The Role of Sharī‘ah Financial Literacy, Blockchain, and Fintech Trust Sumar'in, Sumar'in; Ardi, Pahmi; Sumin, Sumin; Kusnadi, Iwan
Signifikan: Jurnal Ilmu Ekonomi Vol. 14 No. 1 (2025)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i1.44735

Abstract

Research Originality. Despite extensive research on Sharī‘ah financial literacy and fintech trust, their combined impact on illegal loan awareness remains unexplored. This study bridges that gap by analyzing their interaction in financial decision-making amid rising predatory lending, offering a novel perspective on their protective role against unethical financial practicesResearch Objectives. This study aims to examine the effect of Sharī‘ah financial literacy on awareness of illegal online loans, with blockchain technology understanding and Sharī‘ah fintech trust as mediating variables.Research Methods. An associative quantitative approach was employed, utilizing a survey of 519 Indonesian millennial Muslims, selected through simple random sampling. Data analysis was conducted using structural equation modeling (SEM) to explore the relationships among variables.Empirical Results. The findings indicate that Sharī‘ah financial literacy significantly influences blockchain understanding, fintech trust, and awareness of illegal online loans. Blockchain understanding enhances fintech trust but does not directly impact loan awareness, whereas trust in Sharī‘ah fintech positively affects awareness of illegal online lending risks.Implications. This study underscores the importance of improving Sharī‘ah financial literacy and blockchain understanding to strengthen consumer trust in Sharī‘ah fintech and raise awareness of illegal online lending risks. However, further research with broader samples is recommended to validate these findings.JEL Classification: G41, G28, O33, Z12, D83How to Cite:Sumar’in, Ardi. P, Sumin, & Kusnadi, I. (2025). Empowering Loan Awareness: The Role of Sharī‘ah Financial Literacy, Blockchain, and Fintech Trust. Signifikan: Jurnal Ilmu Ekonomi, 14(1), 179-196. https://doi.org/10.15408/sjie.v14i1.44735.
Implementation of Educational Scholarship Programs at Amil Zakat Institutions in West Kalimantan: An Evaluation Study of the CIPP Model Wardi, Suhra; Sumin, Sumin
QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama Vol. 14 No. 2 (2022): Qalamuna - Jurnal Pendidikan, Sosial, dan Agama
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Program Pascasarjana IAI Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/qalamuna.v14i2.3150

Abstract

Program evaluation is needed to improve the quality of education funding through scholarships for underprivileged students so they can continue quality education. This study aims to evaluate the implementation of educational funding through a scholarship program organized by the Amil Zakat Institute of the Great Mosque of Mujahiddin, West Kalimantan, by using the CIPP model, which consists of context, input, process, and product elements. Program evaluation is carried out through stages, interviews, observation, and documentation. The results obtained are a score of 92.86 and have the "very good" category. However, several improvements need to be made by educational units to improve quality in implementing inclusive education in mathematics learning. The improvements are the addition of special tutors (GPK) who can specifically handle students with a variety of special needs and the procurement of data provision regarding the continuity of inclusive education programs for learning mathematics at the next level and level. Thus, the CIPP evaluation model can be used to evaluate inclusive education programs in mathematics learning in junior high schools, which provide outputs in the form of final scores, categories, and recommendations for improvement.
Harmoni Kecermelangan Akademik Dan Perilaku Kebaikan Sosial Siswa Kelas VIII B MTs. Al-Maarif II Dak Jaya Sintang Nijo, Nijo; Mulyani , Rini; Sumin, Sumin
Action Research Literate Vol. 8 No. 4 (2024): Action Research Literate
Publisher : Ridwan Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/arl.v8i4.286

Abstract

Pendidikan tidak hanya sekadar meraih prestasi akademik tinggi, tetapi juga harus mampu membentuk individu yang memiliki sikap sosial yang. Penelitian ini bertujuan untuk mengeksplorasi hubungan antara kecemerlangan akademik dan perilaku kebaikan sosial pada siswa kelas VIII B di MTs. Al-Maarif II Dak Jaya, Sintang. Fokus utama penelitian ini adalah untuk memahami apakah terdapat hubungan yang signifikan antara prestasi akademik siswa dan perilaku kebaikan sosial yang ditunjukkan di lingkungan sekolah. Metode penelitian menggunakan analisis korelasi Pearson's untuk mengukur sejauh mana ada korelasi antara nilai akademik siswa dengan tingkat kebaikan sosial yang mereka tunjukkan Partisipan penelitian melibatkan siswa kelas VIII B sebagai sampel utama yang berjumlah 19 orang responden. Hasil penelitian menunjukan data prestasi akademik diperoleh dari catatan nilai rapor, sementara data perilaku kebaikan sosial dikumpulkan melalui pengisina angket dengan 10 soal pertanyaan, analisis statistik melibatkan p-value, interval kepercayaan, dan ukuran efek untuk memberikan pemahaman yang lebih komprehensif tentang hubungan antara kecemerlangan akademik dan perilaku kebaikan sosial. Kesimpulan hasil dari peneltian tersebut antara kecermelangan akademik dan perilaku baik sosial tidak mempunyai korelasi yang signifikan hubungannya positif namu lemah.
Gender differential item functioning on the Kentucky Inventory of Mindfulness Skills instrument using logistic regression Sumin, Sumin; Sukmawati, Fitri; Nurdin, Nurdin
REID (Research and Evaluation in Education) Vol. 8 No. 1 (2022)
Publisher : Graduate School of Universitas Negeri Yogyakarta & Himpunan Evaluasi Pendidikan Indonesia (HEPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/reid.v8i1.50809

Abstract

The item differential function (DIF) describes a situation in which testees of similar ability but from different demographic groups have varying chances of achieving the same result. This study aims to identify the function of uniform and non-uniform differential items on the Kentucky Inventory of Mindfulness Skills Instrument using logistic regression techniques and determine the impact of DHF on construct validity. This study uses a survey method with a quantitative approach. The study involved 602 people, divided into two groups based on gender: 301 women and 301 men. The Kentucky Inventory of Mindfulness Skills (KIMS) is a 39-item online questionnaire that measures mindfulness. KIMS has been proven to meet content, construct, and factor validity and has good test-retest reliability and internal consistency estimators. This study uses Regression Logistics to detect DIF, analyzed with R Studio 4.1.3 software. Research results found 17 DIF items detected using logistic regression, 13 uniform DIF items, and four non-uniform DIF. Through CFA, we have succeeded in proving that DIF-free items are proven to have better construct validity. The implications of this study are expected to inspire counseling psychologists to be more careful in using rating scales or instruments. The validity and reliability of the measures are not strong enough to justify that all measuring instruments are correct. However, it is also necessary to check for item bias or functional differential items to ensure that each item on the scale or instrument is understandable to all demographic groups and does not benefit only certain demographic groups.
A Multidimensional Concept of Mental Workload: A Systematic Review Hidayat, Veny; Sumin, Sumin; Kartowagiran, Badrun; Ayriza, Yulia
Journal of Educational, Health and Community Psychology Vol 11 No 4 December 2022
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jehcp.v11i4.24203

Abstract

The concept of mental workload is fully used and leads to various theoretical and methodological models. For this purpose, we are conducted in the same way as a systematic review for understanding the concept and a factor that identifies work and work situations that affect personal tasks, or mental workload field. A systematic review was obtained from scientific papers issued from 2010-to 2021. Mental workload is multidimensional, so that a conceptual definition of mental workload should therefore integrally encompass the most elementary dimensions of mental workload. In general, most factors affected mental workloads, including working environments, individual differences, temporal pressure, and task difficulty/compliance complexity. Techniques for assessing subjective workloads are popular in several studies because of their ease of use and sensitivity to workload fluctuations. The NASATLX scale is the most common subjective technique and is used in a wide range of fields. Subjective and objective measurements cannot even measure all kinds of factors that affect mental distress. The main difficulty facing researchers is establishing standardized measurements of mental workload and its normal range so that effective comparisons can be made between groups of subjects. These results can provide measurement development recommendations using three approaches: subjective, objective, and behavioral.Keywords: mental workload; measurement; workload factors
PERKEMBANGAN TEKNOLOGI BAHAN AJAR ABAD 21 (STUDI KASUS SMA NEGERI 1 SUNGAI AMBAWANG) Hamidah, Sri Rizki; Sukino, Sukino; Sumin, Sumin
SECONDARY: Jurnal Inovasi Pendidikan Menengah Vol. 5 No. 4 (2025)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/secondary.v5i4.8574

Abstract

This article aims to explain 21st century learning technology and its relationship to PAI teaching material technology. As today's technology develops, rigid ways of learning can no longer keep up with the challenges of today's changing times with the rapid development of technological activities, so technology has an important role in PAI learning. This research uses qualitative research with the type of library research and observation to analyze how the technology of PAI teaching materials has developed in the 21st century. The results of this research show that the technological evolution of PAI teaching materials from time to time can be seen from the shape of the teaching materials and the nature of the teaching materials. , PAI learning was previously a source of knowledge references only focused on printed books. However, nowadays, students can easily access references to increase their knowledge and insight via the internet. Technology has an important role in PAI learning, which can be used as a medium for conveying learning messages to students, teaching materials are used more widely, not just limited to printed books. However, by utilizing existing technology. The technological platforms and tools used in PAI education include Zoom, Google Meet, Google Classroom, and E-Learning. ABSTRAKArtikel ini bertujuan untuk menjelaskan teknologi pembelajaran abad 21 dan kaitannya dengan teknologi bahan ajar PAI. Seiring berkembangnya teknologi masa kini, cara belajar yang kaku tidak dapat lagi mengimbangi tantangan perubahan zaman saat ini dengan pesatnya perkembangan aktivitas teknologi yang begitu cepat, sehingga teknologi memiliki peran penting dalam pembelajaran PAI. Penelitian ini menggunakan penelitian kualitatif dengan jenis penelitian studi pustaka (library research) dan observasi untuk menganalisis bagaimana perkembangan teknologi bahan ajar PAI abad 21. Hasil dari penelitian ini menunjukkan bahwa evolusi teknologi bahan ajar PAI dari masa ke masa dapat dilihat dari bentuk bahan ajar dan sifat bahan ajar, pembelajaran PAI yang dahulunya sumber referensi ilmu hanya terpaku pada buku cetak saja. Namun pada masa sekarang, peserta didik dapat dengan mudah mengakses referensi untuk menambah pengetahuan dan wawasan melalui internet. Teknologi memiliki peran penting dalam pembelajaran PAI, yang dapat digunakan sebagai media penyampaian pesan pembelajaran kepada peserta didik, bahan ajar yang digunakan lebih luas, tidak terpaku pada buku cetak saja. Akan tetapi dengan memanfaatkan teknologi yang ada. Adapun platform dan alat teknologi yang digunakan dalam pendidikan PAI antara lain Zoom, Google Meet, Google Classroom, dan E-Learning.  
Meritokrasi Birokrasi, Kesejahteraan Pegawai, dan Prinsip Syariah: Studi Kasus IAIN Pontianak Rahimi, Muhamad; Ruslan, Ismail; Sumin, Sumin
Realita: Jurnal Penelitian dan Kebudayaan Islam Vol. 23 No. 2 (2025): Jurnal Realita: Jurnal Penelitian dan Kebudayaan Islam
Publisher : LP2M Institut Agama Islam Negeri (IAIN) Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/realita.v23i2.549

Abstract

This study evaluates the impact of Ministerial Regulation No. 17 of 2021 on the transition from structural to functional positions and its implications for the welfare of civil servants at IAIN Pontianak. As part of Indonesia's national bureaucratic reform aimed at fostering meritocracy and performance-based governance, the policy's effects were examined using a mixed-methods approach and exploratory sequential design. Data were collected through in-depth interviews and online surveys involving 14 affected civil servants. Findings reveal that the policy positively influenced employees' financial well-being through increased allowances, clarified job roles, and improved work motivation. Despite transitional challenges such as workload adjustments, most respondents felt more valued and productive. The study concludes that the policy enhances both financial and psychosocial dimensions of employee welfare. The implication highlights the importance of justice and Islamic ethical principles in public policy, especially within religious institutions.
Meritokrasi Birokrasi, Kesejahteraan Pegawai, dan Prinsip Syariah: Studi Kasus IAIN Pontianak Rahimi, Muhamad; Ruslan, Ismail; Sumin, Sumin
Realita: Jurnal Penelitian dan Kebudayaan Islam Vol. 23 No. 2 (2025): Jurnal Realita: Jurnal Penelitian dan Kebudayaan Islam
Publisher : LP2M Institut Agama Islam Negeri (IAIN) Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/realita.v23i2.549

Abstract

This study evaluates the impact of Ministerial Regulation No. 17 of 2021 on the transition from structural to functional positions and its implications for the welfare of civil servants at IAIN Pontianak. As part of Indonesia's national bureaucratic reform aimed at fostering meritocracy and performance-based governance, the policy's effects were examined using a mixed-methods approach and exploratory sequential design. Data were collected through in-depth interviews and online surveys involving 14 affected civil servants. Findings reveal that the policy positively influenced employees' financial well-being through increased allowances, clarified job roles, and improved work motivation. Despite transitional challenges such as workload adjustments, most respondents felt more valued and productive. The study concludes that the policy enhances both financial and psychosocial dimensions of employee welfare. The implication highlights the importance of justice and Islamic ethical principles in public policy, especially within religious institutions.
Tahlilan as a Space For Emotional Education and Social Solidarity Among the Javanese-Malay Community in Binjai Hulu, Sintang Sani, Peni Nurtiya; Sumin, Sumin
Jurnal Sains Sosio Humaniora Vol. 10 No. 2 (2026): Volume 10, Nomor 2 July - December 2026 (On Progress)
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jssh.v10i2.58359

Abstract

Tahlilan is a religious ritual that continues to be widely practiced by the Javanese–Malay community in Binjai Hulu, Sintang Regency, West Kalimantan. Beyond serving as a collective prayer for the deceased, tahlilan functions as a social institution that fosters empathy, provides emotional support to bereaved families, and strengthens community solidarity. This study aims to analyze the role of tahlilan as a space for emotional education and social solidarity within the Javanese–Malay community. The study employed a qualitative approach using ritual ethnography through participant observation, in-depth interviews with five purposively selected informants, and document analysis as supporting data. Data were analyzed thematically using Emile Durkheim's perspectives on social solidarity and collective consciousness, Clifford Geertz's concept of religion as a cultural system, George Herbert Mead's symbolic interactionism, and the concept of emotion regulation, which explains how individuals recognize, manage, and express emotions through social interaction. The findings reveal that tahlilan functions not only as a religious ritual but also as a space for emotional learning by facilitating acceptance of loss, fostering empathy, regulating expressions of grief in accordance with social and religious norms, and providing collective emotional support. The interactions occurring during tahlilan reinforce collective consciousness, strengthen social relationships, and enhance social solidarity through the values of togetherness, mutual care, and cooperation. These findings demonstrate that tahlilan serves a broader role than merely a prayer ritual, functioning as a social mechanism that contributes to the development of emotional resilience and social cohesion within the Javanese–Malay community in Binjai Hulu.
FINANCIAL LITERACY, INFRASTRUCTURE, AND RELIGIOUS INSTITUTIONS-BASED ECONOMIC EMPOWERMENT IN INDONESIA-MALAYSIA BORDER Kurniati, Pratiwi; Lestary, Dini; Subardi, Hani Meilita Purnama; Sumin, Sumin; Rozita, Rozita
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol. 14 No. 3 (2025): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Tanjungpura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jebik.v14i3.111708

Abstract

This study examines how financial literacy and border economic infrastructure affect the economic well-being of communities in The Aruk, Indonesia-Malaysia border, and whether religious institutions moderate these relationships. A sequential explanatory mixed-method design was employed, combining Partial Least Squares Structural Equation Modeling (PLS-SEM) of survey data from 100 economically active residents with semi-structured interviews involving three key informants. The results show that financial literacy has a positive and significant effect on economic well-being, whereas infrastructure has no significant direct effect. Religious institutions do not significantly moderate the financial literacy–well-being relationship, but negatively moderate the infrastructure–well-being relationship. Qualitative findings attribute these patterns to limited economic empowerment programs, weak institutional capacity, and fragmented stakeholder coordination. Theoretically, the findings suggest that social capital theory in the context of border communities should not assume that institutional involvement always strengthens the effects of economic resources on well-being. The findings imply that border development should integrate practical financial literacy, stronger institutional capacity, and coordinated community-based economic empowerment with infrastructure investment. JEL: G53, H54, R11.
Co-Authors Abdul Amin Agustiawan, Mochammad Pandu Ahmad Akbar, Ahmad Anisa Anisa Ardi, Pahmi Badrun Kartowagiran Darmiyati Zuchdi Deddy Mulyana Didi Darmadi, Didi Edi Istiyono Fahmi, Moch. Riza Farida Agus Setiawati Fitri Sukmawati Fitri Sukmawati Hamidah, Sri Rizki Heri Retnawati Hidayat, Veny Hudin, Hafid Isyatul Mardiyati Kahirol Mohd Salleh Kamaruddin, Mohd. Shahrul Khairawati Khairawati, Khairawati Kurniati, Pratiwi Kusnadi, Iwan Lestary, Dini Lukmanul Hakim Misdah Muhamad Imam Pamungkas Muhammad Edi Kurnanto Muhammad Tisna Nugraha, Muhammad Tisna Mulyani , Rini Nijo, Nijo Niza, Niza Nur Hamzah Nurdin Nurdin Nurdin Nurdin Prihantono, Prihantono Rahimi, Muhamad Rahmadani, M. Rifki Rozita, Rozita Ruslan, Ismail Sani, Peni Nurtiya Soemantri, Asep Iwa Subardi, Hani Meilita Purnama Sukino Sukino Sumar'in, Sumar'in Sumar’in Asmawi Wahyudi, Annisa Rezki Eka Putri Wajdi, Muh Barid Nizarudin Wajidi Sayadi Wardi, Suhra Widhiastuti Widhiastuti Yulia Ayriza